Document background
The Hard Inquiry Removal Letter is a essential document used when individuals discover unauthorized or incorrect hard inquiries on their Malaysian credit report. These inquiries, which can impact credit scores, must be addressed through formal channels as established by the Credit Reporting Agencies Act 2010 and related regulations. The letter is typically used when consumers have not authorized certain credit checks, when multiple inquiries were made for the same loan application, or when fraudulent activities have resulted in unauthorized inquiries. It must include specific details about the disputed inquiry, relevant dates, and supporting documentation. The document is crucial in the Malaysian jurisdiction as it initiates the formal process of correcting credit report inaccuracies and protecting consumer rights.
